What story do your files tell?
The FCA’s Retirement Income Advice thematic review seems to be gathering momentum and the latest developments come as no surprise. […]
Compliance
Adviser charges in perpetuity?
Here’s a question. What happens to ongoing adviser charges if the adviser dies? This came up recently when […]
FCA Retirement Income Advice Survey – a threat or an opportunity?
We drew attention to the FCA’s Retirement Income Advice Survey in our ‘What lies beneath?’ article last month and there […]
Bed and ISA – not so straightforward anymore?
Benjamin Franklin once said: “In this world nothing can be said to be certain, except death and taxes”. You could […]
What lies beneath?
One of the FCA’s recent publications, Regulation Round Up, contained several interesting articles. Of course, Consumer Duty occupied plenty of […]
Negative equity – how much of a risk is it?
In 1644, English judge Sir Edward Coke was quoted as saying: “For a man’s house is his castle” and this […]
Consumer Duty – adviser charging and risk premium
At a recent compliance seminar, there was much discussion about adviser fees in light of the imminent Consumer Duty requirements. […]
The ongoing advice charge conundrum
A high proportion of advice firms operate a largely recurring income model and with this comes the obligation to conduct […]
Do you mark your own homework?
Most firms will have at least vague recollections of the FSA’s thematic review of pension switching and the report it […]
Consumer Duty – Identifying Foreseeable Harm
Niels Bohr, the Nobel laureate in Physics and father of the atomic model, is quoted as saying, “Prediction is very […]